We all need Insurance at some point of time in our lives. Choosing the best insurance plan which best fits your requirements is an important decision not just for you but also for your family and it can be complicated. Be it Life Insurance, Health, Motor, Personal Accident, Retirement Plans, Travel, Home Insurance, etc.With more than 30 insurance companies, offering over 300 products, the challenge customers face today is not that of buying a policy but purchasing the right policy, that best suits their needs.

But Insurance is deemed as a complex subject and not many have the time or inclination to understand the nitty-gritty of the policies. So the need of the hour is to have simple, jargon-free explanation of Terms & Conditions and a step by step guide for customers, to pick the right policy.

Follow these simple steps if you are planning to purchase any insurance policy:

1) Be sure about your requirements- Not all policies are the same. For example, under Life Insurance comes Retirement Plans, Child Plans, Term Insurance, Endowment Plans and ULIP. So it is important you choose a plan that will match your requirements. If you are looking for pure protection plans, then a Term Plan is for you.

But if your goal is to have a combination of savings with protection then your options are Child Plans, Retirement Plans or ULIP’s. Over here your goal would decide what kind of cover you should go for. For instance, if your goal is to save for Child’s future then Child Plan would be ideal but if you want to save for your retirement then Pension Plans is the best bet.

2) Calculate the Cover you need- A lot of factors come into play while deciding the cover you need. For example in Health Insurance, your age, medical history, city of residence, lifestyle habits, etc. is considered while deciding the amount of cover. On the other hand, in Life Insurance factors such as your income, liabilities, number of dependent family members, etc. help to decide the coverage amount. So a 30-year-old person who has a home loan and 2 school going kids should take a higher cover, while a 45-year-old person who has no liabilities and whose kids have started working can opt for a lower cover.

3) Compare Plans- Comparing plans doesn’t mean just comparing the price. Cheapest is not always the best. You should compare the features, benefits, exclusions and select the plan that suits your needs. For example, while selecting a Health plan for your parents, you should go for a plan that has minimum waiting period, as old aged parents could anytime require hospitalization. Besides, comparing Motor insurance every time, during renewal can be very beneficial plans you can get a discounted premium and may even get additional add-on riders.

4) Read, Understand & Familiarize yourself with the terms and conditions of the policy- After you have zeroed in the policy that you need read, understand and familiarize yourself with all the terms and conditions. This is important to avoid any surprises and heartaches later. For example in a Health Insurance, you should know what is the Room Rent Limit, Waiting period, Exclusions, Day care procedures, Network hospitals, etc. Similarly, in a Life Insurance Policy, you should be aware of Maturity benefit, Death Benefit, permanent exclusions etc. For example, death or hospitalization due to taking part in adventure sports or war is not covered by many Health and Life insurance policies.

5) Seek expert advice- If you ever get stuck with any policy then you simply need to seek expert’s help. If you ever fail to understand the policies or if you are not sure which is the best plan, just speak to a specialist who can analyze your needs and suggest the best option.

Just pay attention to these small details you will surely benefit in the long run.

Beeinsured is powered by Robinhood Insurance Broker – A reputed name in the Insurance Industry with over 8 years of experience and a strong presence in 8 major cities of India. Our sole aim is to provide superior service to our users by offering them a one-stop shop for all their insurance needs.

This article will familiarize you with the definition, advantages and disadvantages of Information Communication Technology (ICT). It is important for you to read carefully to understand the basics of Information Communication Technology (ICT).

The definition

Information Communication Technology (ICT), or Information Technology (IT) as abbreviated, stands for the use of computers and telecommunications technology and devices to produce, manipulate, store, transmit and securely retrieve information.

ICT Tools

These are the tools or gadgets that are used to locate, explore and exchange information. They include the following devices:-

Following are the advantages of Information Communication Technology (ICT):
1. It provides timely, better and cheaper access to knowledge and information.
2. It speeds up business transactions, productions and management processes.
3. ICT has made possible for people worldwide, to access internet, in a new and exciting way.
4. With ICT tools, business dealings and transactions have moved closer.
5. It provides a very reliable, flexible, fast and accurate means of disseminating information in modern times.
6. It provides employment opportunities and opens new career fields for people around the world.
7. It is also one of the best mediums for giving out instructions in schools.

Disadvantages of ICT

Despite its numerous benefits, ICT has few limitations, some of which include:-

1. Job loss: ICT application in offices may cut down few jobs as manual jobs and tasks are being automated.
2. Costly: ICT components and tools can be expensive and unaffordable to general public.
3. Loss of Social Bond: Implementation of ICT in every sphere of life is limiting personal human relationships and physical contacts as more work and interactions are based online.
4. Crime: ICT may lead to increase in crime ratings. People are being defrauded online. Cyber crimes like identity-theft, credit card scams, systems hacking, and piracy are on the rise. Internet is flooded with cyber criminals like hackers, perverts, and stalkers.
5. Abuse: This is another disadvantage of ICT. Some examples include pornography (especially child pornography), plagiarism, cyber war, e-mail spams, etc.
6. Addiction: The use of ICT is addictive. Obsessive users can be found spending hours online. This behaviour may lead to stress and other health related complications.

Many parents also believe that the most common adverse effects of ICT may include contact of their child with aggressive or inappropriate contents, endangering their physical health (visual impairment, rigidity, spinal injuries) as a result of prolonged seating in front of the computer, obesity, and loss of contact with the real world leading to addiction. Besides, they also emphasize all positive effects are the acquisitions of new knowledge and skills that the child can benefit from IT for future employment. Parent’s who feel that the use of ICT is more harmful than beneficial to their child; argue by claiming their views that a four-year-old child is too young to be exposed to ICT.

I pose one question myself and let my thoughts run free while thinking if there would be someone else wanting to share and expose their inner feelings and thoughts on the theme.

Initiating good conversations and stories that could be the commencement for caring persons committed with the whole and not only the parts

I know that right at the bat, this poses a conflict with popular ideas like the concept of tribes but in my opinion, there are things that tribes can handle in very effective ways, but others deserve special treatment as a whole and not just by its parts…

Solutions, that need the concurrence of universal minds that break the limits of tribes, villages, countries, and continents to bring again the unit of purpose in defense of our beaten planet and less fortunate members of society.

There is no doubt that…

To fight nearsightedness is only convenient and profitable for eyes doctors but not for the citizen engaged with objectives that surpass the boundaries of races, creed, citizenship and beliefs…

Therefore, at this time, that humankind is walking toward its self-destruction… there is a big cry coming from all the corners.

Asking for solutions to the lack of leadership that shall transcend all frontiers to activate the hands and hearts that will heal our sick planet.

Thus, let us get back a bit… and ask your friends if they think it would be possible for once powerful worldwide empires to recreate themselves like the Phoenix Bird…

In spite of the signals of decadence given by notorious deterioration of the fundamental pillars that sustain a solid functional society

Moreover, let us remind for a second that…

If we take examples of history… It seems that empires were destined to a pinnacle and then a progressive process of self-destruction…

The work done by the great men and leaders that led to that pinnacle and zenith were not enough, against the forces of immediate gratification, which subtly took hold of the new generations… in addition to the laissez-faire stance of the modern society…

In that respect…

The History Channel recently refresh our memories about all the long list of short and long life empires that has been cited as being part of factual events of past civilizations history…

A history that dawn on us as a powerful deterrent of any attempt we might have in mind to reverse the course of the self-destruction that seems to be the destiny of the humankind…

The leadership seems to be losing the battle… new leaders has not been up to par to maintain the unit and conduct the silent multitudes that count. They fail at…

Leading the people who conform the pillars of strong-founded societies, to new levels of compromise and engagement to face and fight back the obscure forces.

The force that promotes hate and not loves… that promote destruction and not creation… that promotes lying instead of truth… that like Pyrrhus, wanted all conquered cities burned down…

Is it the destiny of all Empires and the developed societies to bite the dust? Motivated or due to the inaction at dealing with the big problems that affect the entire society.

Instead of promoting tribes to create more “caciques” and together with it a false sense of compromise with the whole while the truth is that it is only the selfish interest of each individual tribe…

This statement would lead to a new question about the concept of the whole versus the atomization of the society in an attempt.to recreate something more manageable…

Really, is there any chance for the new leadership to reverse the course – better curse – of the history? Even, they have to think over concepts and ideas like traveling to Mars to escape the destruction of the planet…

Indeed an unending chain of questions…

Going to Mars will have a high priority – in the mind of some of the tribes’ leaders – maybe, depending on the paranoia of the moment… more than recreating ways of saving our planet of the total destruction.

Will the few fortunate and lucky survivals that might escape to Mars be the new HEROES… The pioneers and conquerors? Of the space odyssey…

Leaving behind a sad story about the incompetence of a whole society that self-destroyed itself in pursuit of instant gratification, affected by a total lack of vision on the whole thing. Which, disintegrated to pieces, in front of their own eyes without even notice it… or care about it…

Now the BIG question?

Will the final chapter of this saga developed like visualized. In the other hand, will the remnant strong oaks somehow survive; to populate the earth as they have done in the past… every time the planet has suffered major catastrophic destruction events.

Disasters documented by pieces of evidence collected as result of the geological investigations carried out by recognized worldwide universities and institutions…

To stay with arms crossed… is not at all the intention of writing this article…

The truth before you, I am not a specialist on this subject. However, the idea is helping to create a tribune or platform.

A meeting place for those who feel motivated to participate and act; sharing articulated messages, teaching, coaching, counseling that breaks the frontiers of any heart, tribe, village, city, country, continents and beliefs.

To bring unit that supports the whole for the benefits of the parts… if you want you may call it, tribes, communities

I would like to share a little hint for the next article… referring to… a big community that has accumulated in the last 15 to 25 years a vast amount of knowledge that is fundamental to guide and help others to change and fight back the obscure forces of destruction around us.

Hands and heart at your service.

The change and its acceleration rate are pushing society to its limits… creative solutions are urgent if we want to see signs of recovery that foresee hope in the horizon of the present society other than the decadence signs of self-destruction. A real opportunity for the universal minds that break frontiers… The leaders of the whole and not only the parts… If you want to read a bit more on how to prepare to face the crisis please read the second part of this article… http://www.facebook.com/carmelohumphreyplus

While there is the whole buzz around citing 3D printing as the definite future of humanity, I beg to differ for certain reasons that I have penned down below.

To start with, the 3D mechanism here banks on resin, and it is actually harmful to our body. You don’t always need to come in physical contact with it to understand the danger- in fact; you will end up hurting your eyes even if you stare at it for long. It’s because 3D printing uses a substance which is made from combustion at temperatures above and below the notified marks.

For those with little or no idea regarding 3D printing, here goes a brief:

3D printing technology is deployed in several industries working for defense and manufacturing. Moreover, other industries or trades those need to work with complex designs as well as have the requirement of high-demand products, also count on 3D printing.

After much thought, I came to the view that 3D printing isn’t the very proposal that is thoroughly checked by government agencies. What’s much alarming is that the industries mentioned above are only risking lives through wrong inputs just because they are eyeing profit from collateral of false propaganda or otherwise via inverted calculation.

The energy deployed in its frequent support just adds to high voltage & systematic harm for our environment. Whatever logic these industries put forward to justify their investment on 3D printing is always pertinent to their interests & profits, and they never care for the consumer.

This is to stress here that the very theoretical dynamics aren’t exactly sought through reliable findings. The very situational drama that we see is just a gathered perception, and changes in written dimensions only imply complete dilution of subject expertise.

On the other hand, the second primary reason behind the high end propagated interference shows relation to high judgment that doesn’t exactly meet either existence of the relative precautions or non-portal behavior.

I consider myself, and I am also recognized as an individual of high values who is well aware of this interest of these industries in using 3D printing. Thus, I would not consciously wish anybody to use 3D printing so that our nature can be saved from the harm caused by fake or faulty hypothesis.

Our Mother Earth is calm and resilient, and even though she knows about these high profile people, she stays silent. But I realized this should not be allowed for long. Yes, it took me the immense courage to state my views here that clashes with the interest of the top guns but still this is my ardent request you to boycott the harmful 3D printing practice immediately. We all have to be very serious about it for the sake of benefit of our existence.

The Republicans hardly have any idea about value steered by the consumer goods. However, I feel, our fellow citizens should be careful about the crucial justification which leads to this savage thinking. Reduced harm would be able to sub judice high theories and reduction in supplements forms the root cause of the true behavior.

Writing is a habit of discipline. My website http://www.gktecvisionpremium.com has a variety of articles written and free to read. These articles are meant to bring clarity of existence and theories of great literature. Those who are further interested can subscribe to the newsletter exclusive to the topics of Finance and Spirituality with very deep insights. Our company’s press release: http://webwire.com/ViewPressRel.asp?aId=207335

Recognize it! You’re busy! And so must be! That’s what life is like! But you want more than that, you want to do more for yourself and massage can help. Because massage makes more than a simple relaxation of the mind and body. It keeps your body in shape and gives you enough energy to make you enjoy a longer life better than you do it today.

Massage releases stress. At the moment, stress is a universal evil. Every time you are late, every time you avoid a car in traffic, every time you have trouble working, stress is doing his job. Each time adrenaline increases heart rate and cortisone levels and organs respond to the measure. You will be in a state of nerves and constant agitation.
When there is no release of stress, serious problems such as an upset stomach, hypertension, sleep disturbances, chest pain, or existing illness may worsen.

Some of the changes that may occur are: Anxiety, lack of concentration, depression, permanent fatigue, muscle or bone pain, sexual dysfunction, excessive sleep or insomnia

All these stress-related problems can be diminished and some can be totally eliminated by massage. The researchers concluded that a massage session can lower heart rate and blood pressure, relax your muscles and increase endorphin production. The massage also releases serotonin and dopamine and the result is a general relaxation, both physical and mental.
Our body care must be at the top of the priorities.
By adding the massage to your routine you will look much better and you will be much healthier and relaxed. Massage can improve your vitality and mood. Massage can prepare for a long and beautiful life.

Our masseuses personalize each massage session according to the needs of the individual.
Our massage parlors offer a variety of relaxation styles and techniques to help you. Apart from relaxing, massage can be a powerful ally in reducing pain, increasing energy levels, improving mental and physical performance

After a massage session, you will see how the mental prospects are enriched, the body allows easier handling, better pressure resistance, relaxation and mental alertness, calm and creative thinking.
When you have the impression or force yourself to stay straight, your body is not actually aligned properly. Not only does the posture look bad, but it forces some of the muscles to go muddy all day, while others become weaker. After a long time, the incorrect position may cause other drops. For example, internal organs press on what affects digestion, breathing ability is also diminished, which means that much less blood and oxygen reaches the brain and hence all sorts of other complications.

Massage allows you to return your body to the track. Allowing the body to make healthy and accurate movements is one of the greatest benefits of massage. Massage can relax and restore muscles injured by bad posture, allowing the body to position itself in a natural, painless position.
Apart from posture, there is also anxiety. One of the signs of anxiety and stress can also be heavy breathing. When the body begins to breathe too little and deeply instead of breathing at a natural rithm, it is impossible for one to relax. One reason may also be that the chest muscles and the abdomen get tightened and the air gets harder.

Massage plays an important role in learning the body how to relax and how to improve breathing. Respiratory problems such as allergies, sinuses, asthma or bronchitis are a group of conditions that can benefit from massage. In fact, massage can have a positive impact on respiratory function.

Many of the muscles in the front and back of the upper part of the body are breathing accessory. When these muscles are tight and shorten they can block normal breathing and interrupt effective breathing natural rithm. Massage techniques for stretching and relaxing these muscles improves breathing function and breathability. Massage leads to an opening of the chest as well as structural alignment and nerve dilatation that are required for optimal pulmonary function. A good way to treat respiratory problems with massage is the taping made in Swedish massage. When done on the back, along with vibrations, it can detach the mucus from the lungs and can clean the airways for better later function.

Massage not only relaxes muscles, but helps people become aware of daily stress levels. Once the body recognizes what really means relaxation, the mind can rest easily relax before the stress becomes cornice and harmful. This will help you enjoy a balanced life. Massage controls breathing, allows the mind to re-create relaxation before the occurrence of chronic and harmful stress and increases the level of energy.